COMMERCIAL INSURANCE
Protecting your business against unforeseen risks is essential to ensure continuity, stability, and growth. Commercial short-term insurance provides cover for your company’s assets, operations, and liabilities, giving you peace of mind that your livelihood is secure.
1. Business Assets & Property Insurance
Safeguard the physical assets that keep your business running.
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- Buildings & Offices – Protection against fire, storm, theft, and accidental damage.
- Contents & Stock – Cover for office equipment, furniture, fittings and inventory.
- Electronic Equipment – Computers, servers, and specialist equipment covered for loss, theft, or power surges.
- Glass Cover – Shopfronts, display windows, and signage.
2. Vehicles & Transport Insurance
Keep your fleet and business vehicles on the road.
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- Commercial Vehicles – Comprehensive, third-party, or limited cover.
- Delivery Vans & Fleets – Tailored policies for small to large fleets.
- Goods in Transit – Cover for stock and goods while being transported.
3. Business Interruption Cover
Protect your income when business operations are disrupted.
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- Loss of Income – Compensation for turnover lost due to an insured event.
- Alternative Premises Costs – Assistance with relocation expenses.
- Fixed Expenses – Cover for ongoing costs like rent, salaries, and loan repayments.
4. Liability Insurance
Shield your business against legal claims and liability risks.
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- Public Liability – Cover for injury or damage to third parties.
- Product Liability – Protection against claims arising from defective products.
- Employer’s Liability – Claims from employees for workplace-related injuries or illness.
- Professional Indemnity – Protection for professionals against errors, omissions, or negligence.
5. Sector-Specific & Specialised Covers
Customised solutions for different industries.
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- Hospitality & Tourism – Guesthouses, restaurants, lodges, and hotels.
- Retail & Wholesale – Shop owners, franchises, and warehouses.
- Agriculture – Crop, equipment, and farming risk cover.
- Construction & Engineering – Plant, equipment, and contractor’s all-risk insurance.
- Medical & Allied Professions – Specialised liability and equipment cover.
6. Employee & Financial Protection
Safeguard your workforce and financial obligations.
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- Fidelity Guarantee – Cover against employee theft or fraud.
- Group Personal Accident – Compensation for employees injured or killed while on duty.
- Directors & Officers Liability – Protection for company executives against personal liability claims.